Georgia › Houston County
Homes for sale with assumable mortgages in Houston County, GA
28 homes for sale in Houston County where the buyer can take over the seller's FHA or VA loan, recorded from 2020 to early 2022 when rates were under 4%. Updated October 18, 2026.
- 28homes
- 19under 3%
- 2.25%lowest rate
- $120,966median cash to assume
- $404/momedian savings vs 7.36%
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Cities
- Warner Robins (9)
- Byron (6)
- Kathleen (5)
- Perry (5)
Also in Houston County: Bonaire, Centerville.
Lowest-rate homes in Houston County
-
2.25% from loan recordsVA loan, recorded Nov 2021
210 Channing Trl, Warner Robins 31088
$270,000 · 3 bd · 2 ba · 2,358 sq ft · House · built 1977 · listed 27 days ago
- Cash to assume
- $98,673
- Payment if assumed
- $745/mo
- Saves vs 7.36% today
- $436/mo
-
2.25% from loan recordsVA loan, recorded Jul 2021
361 Spyglass Hill Dr, Perry 31069
$245,000 · 2 bd · 2 ba · 1,495 sq ft · House · built 2005 · listed 60 days ago
- Cash to assume
- $133,119
- Payment if assumed
- $492/mo
- Saves vs 7.36% today
- $280/mo
-
2.25% from loan recordsVA loan, recorded Feb 2021
304 Old Windmill Rd, Perry 31069
$637,000 · 6 bd · 4 ba · 3,942 sq ft · House · built 2007 · listed 79 days ago
Cash to assume and monthly savings: Pro
-
2.375% from loan recordsVA loan, recorded Nov 2021
117 Milford Cir, Perry 31069
$268,500 · 3 bd · 2 ba · 1,608 sq ft · House · built 2019 · listed 25 days ago
Cash to assume and monthly savings: Pro
-
2.625% from loan recordsVA loan, recorded Feb 2022
115 Dora Ln, Byron 31008
$360,000 · 3 bd · 2 ba · 2,765 sq ft · House · built 2004 · listed 38 days ago
- Cash to assume
- $63,802
- Payment if assumed
- $1,335/mo
- Saves vs 7.36% today
- $708/mo
Homes in other Houston County towns
| Home | City | Price | Beds | Rate | Loan |
|---|---|---|---|---|---|
| 805 Arbor Ln | Centerville | $354,500 | 4 | 2.75% | VA |
| 115 Orchard Ln | Centerville | $465,000 | 2 | ≈2.9% | VA |
| 220 Carrington Ln | Centerville | $258,900 | 3 | 2.99% | FHA |
| 100 Jamestown Ct | Centerville | $375,000 | 3 | ≈3.06% | VA |
| 102 Applegate Ct | Bonaire | $388,800 | 5 | 3.25% | FHA |
| 405 Ledford Way | Bonaire | $299,000 | 3 | ≈3.45% | VA |
Rates without ≈ are the loan's actual rate from public records (or confirmed); ≈ marks an estimate.
How assuming a mortgage works in Houston County
You take over the seller's existing loan: its rate, its remaining balance, and its remaining term. The difference between the price and the balance is the cash to assume, paid to the seller in cash or with a second loan.
- FHA loans: you apply with the seller's loan servicer and qualify much like a new loan, and you have to live in the home.
- VA loans: you don't have to be a veteran to assume one. If you aren't, the seller's VA entitlement stays with the loan, so some sellers prefer veteran buyers. The VA charges a 0.5% funding fee on an assumption, waived for veterans who receive VA disability compensation.
- Timing: the servicer approves the assumption. VA requires a decision within 45 days of a complete application; FHA sets no deadline. Plan on roughly 45 to 90 days to close.
More in the guides to assuming a VA loan and assuming an FHA loan.
See every Georgia county.
Rates come from each loan's public records (HUD's FHA records or the lender's federal HMDA report) where we can match the loan; the rest are estimates from the average 30-year rate in the month the loan was recorded (VA loans usually came in lower; FHA loans landed on both sides). Balances are estimates: the original loan amount from public records, paid down to today. Prices are from the listing when we first found it; check the listing for the current price. Savings compare the same loan amount at today's average rate. Not a brokerage, lender, or advisor; confirm everything with the listing agent and the loan servicer.